Privacy Policy

PRIVACY POLICY


This Privacy Policy (this “Policy”) applies to Wisdom Capital LLC and its affiliates (collectively, the “Company,” “WC,” “our,” “we,” or “us”) and is designed to help you understand how we collect, use and disclose your personal information that you or any third party provides to us, either on our websites, forms, over the telephone or through any other means. By using the Websites, Forms or any product, service, or functionality originating from your use of the products or services offered by the Company (collectively, the “Services”) you are accepting the Privacy Policy and Terms of Use contained herein.

The Terms of Use constitute an integral part of the Policy. Please also read our Terms of Use above this Policy.

By using the Services or by otherwise providing us with information about yourself, you agree to the Terms of Use of this Policy. References to “you” and “your” throughout this Policy apply to any individuals whose personal information we may obtain, including without limitation, principals and members of business entities and guarantors.


TCPA Communication Authorization

By submitting your contact information, you expressly consent to having us contact you about your inquiry by text message, email or phone to the residential or cellular (mobile) telephone number you have provided, even if that telephone number is on a corporate, state or national Do Not Call Registry. You expressly agree to this site’s Security Statement and our Privacy Policies. You authorize Wisdom Capital, LLC and/or its affiliates, assigns, successors and/or agents (collectively “WC”) to contact you regarding the advertising or telemarketing of our products and services. WC may use text message notifications, calls using artificial or prerecorded voice messages, and automatic dialing technology for telemarketing and all other purposes not prohibited by applicable law for any electronic or physical addresses that you have provided in connection with this application. You certify that the telephone numbers that you have provided to us are your contact numbers. Your consent, if provided, will be effective even if the number you have provided is registered on any state or federal Do-Not-Call (DNC) list. This consent for telemarketing calls and texts shall remain in effect until you revoke it. You may revoke your consent at any time. Your consent to telemarketing calls and texts may be revoked by following any of the opt-out methods described below, or by any other method that ensures we receive the revocation.

You understand that consent is not a condition of purchase or required to obtain a loan through WC and that WC may contact you pursuant to this authorization even if you will incur costs as a result of such phone, text or other messages.

To revoke your consent to receive marketing calls and/or texts:

You may revoke your consent to receiving marketing text messages by replying STOP, END, QUIT, UNSUBSCRIBE, or CANCEL, or by calling us at 1-800-877-2077.

You may revoke your consent to receive marketing phone calls (calls other than to verify or service your account or collect any amounts you may owe), by calling us at 1-800-877-2077.


What information do we collect?

We collect information from you when you subscribe to our mailing list, speak to a representative, use our websites or fill out a form.

By requesting a loan on behalf of your business, you authorize us to obtain one or more credit reports and to conduct a background check on you, and you authorize us to use the information contained in such credit reports or background checks to process your loan application. We may also obtain one or more credit reports and conduct background checks on any individuals who are designated to be guarantors in connection with any request for a loan.


What do we use your information for?

Any of the information we collect from you may be used to improve our customer service, to process transactions including any requested product, service, or information, facilitate online activities and functionality, and send you periodic emails.


How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.


Do we use cookies?

Yes. Cookies are small files that a website or its service provider transfers to your computer’s hard drive through your Web browser (if you allow it) that enables the website or service providers’ systems to recognize your browser and capture and remember certain information.

We use cookies to compile non-personal and aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future as well as manage our advertising.


Do we disclose any information to outside parties?

We do not sell your personally identifiable information. We share some of the information we collect about you with trusted third parties, like companies performing services on our behalf, so long as those parties agree to keep your information confidential. We may also share some of the information we collect about you with third party companies, like our trusted Affiliates and related entities, providing services or products similar to or complementary with your requested services or products, as long as those parties agree to keep your information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.


Information is shared to facilitate the services needed in order to properly and efficiently handle duties related to your account. We may share information with:

1. Government agencies to fulfill legal, reporting and regulatory requirements.

2. Attorneys, accountants and auditors.

3. Our employees, our Affiliates, affiliated companies, subsidiaries, and agents to offer additional services or perform analysis to determine qualification to receive future services.

Once you have submitted a loan application, we may obtain information about you from credit reporting agencies. We both receive and transmit data to credit reporting agencies. This is done as part of our regular underwriting, fraud prevention and loan servicing processes.

If we make a loan to your business, we may share your personal information and certain information associated with your loan with our servicers, lenders, investors, successors and assigns.


Third Party Links

Our Websites may contain links to third party websites. Access to any other websites linked to this Website is at the visitor's own risk and the Company is not responsible for the accuracy or reliability of any content, information, data, opinions, advice or statements made on these sites. The Company provides these links merely as a convenience and the inclusion of such links does not imply an endorsement or warranty of those links or their associated websites. These third-party websites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked websites.


COPPA

We do not knowingly collect any information from anyone under 18 years of age. Our website, products and services are all directed to people who are at least 18 years old or older.

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